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Well-positioned for the future with PROGRESS27

Building on the foundations driven by RHB’s previous strategy, Together We Progress 2024 (TWP24), we are now embarking on our next phase of growth with PROGRESS27. This revitalised ambition sets RHB to deliver service excellence, profitability and continue to be a responsible and purposeful financial services group.

Key targets include achieving a return on equity (“ROE”) of 12%, reducing the cost-to-income ratio (“CIR”) below 44.8% and maintaining the gross impaired loan (“GIL”) ratio below 1.3%, reinforcing our commitment to financial resilience and operational efficiency.

To achieve this, we will implement eight transformational programmes, that seek to drive domestic balance sheet growth, retail and wholesale fee income growth, cost optimization and digital expansion. These programmes will strengthen RHB’s position in a fast-changing financial landscape.

With a strong focus on innovation, operational excellence and social responsibility, PROGRESS27 positions RHB for long-term resilience. By driving profitable growth and enhancing efficiency, we aim to create lasting value for our customers, employees and communities.

3 Strategic Objectives

PROGRESS27 will transform RHB into a bank that is best in service, high profitability, and both responsible and purposeful

Best in Service

Delivering faster, more convenient, and simply more enjoyable customer experiences through service excellence, enhanced digital journeys, and leading data, analytics and innovation capabilities

High Profitability

Improving the Group’s profitability through focused revenue expansion, cost optimisation and operational enhancement efforts